You're self-employed. Your health insurance shouldn't cost more than your rent.
Your agent compares total cost - premium + deductible + OOP max - across BlueCross, UHC, Aetna, Cigna & more. Premiums may be 100% tax-deductible. Most freelancers save $200–400/mo. $0 fee.
The people on the other end of the line.
Most freelancers are overpaying by $200–400/mo.
Healthcare.gov wasn't built for 1099 income. We translate it - subsidies checked, deductions confirmed, total cost compared side-by-side. Here's who saves the most.
AGI after deductions often qualifies for $300–500/mo in tax credits. Plus premiums may be 100% deductible on Schedule 1.
Above ~$80K, group can win. Below that, individual often saves $200–400/mo. We compare both live.
We estimate conservatively so you don't owe at tax time. Your agent walks through the math.
HSA-eligible options for pre-tax savings. Total family cost compared side-by-side across 6+ carriers.
Three steps. About twelve minutes.
A licensed agent picks up in under a minute. No phone tree, no hold music.
ZIP, ages, your 1099 setup, doctors, and prescriptions. We check subsidies and deductibility - the steps Healthcare.gov skips.
Total cost - premium + deductible + OOP max - across 6+ carriers. Pick and enroll, same call.
Twelve minutes. Here's the script.
We tell you exactly what your agent will ask, in what order - so you know what to have in front of you before you pick up.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
PPO, HMO, EPO - in plain English.
Any in-network provider, no referrals. Out-of-network covered at lower rates.
Pick a primary care doctor. Specialists need referrals. Care stays in-network.
PPO-style flexibility within a defined network. No referrals, no out-of-network.
What a 12-minute call actually saved these freelancers.
"Went freelance and was guessing on Healthcare.gov. Agent compared total cost - premium + deductible + OOP max - found a BCBS PPO for $218/mo after subsidies. Plus it's 100% deductible. Saves me $4,800/yr."
"My LLC has two partners. Agent compared group vs. individual marketplace - individual saved us $600/mo combined. Nobody else even ran the numbers."
"Didn't know my variable 1099 income qualified for a $380/mo subsidy. One call - 10 minutes - and I'm saving $4,560 a year. Should have called years ago."
"I started this in 2014 after getting burned by a quote-form site when I was uninsured between jobs. We're the brokerage I wished existed then - one call, one licensed agent, real plans, no spam."
Common questions for self-employed & freelancers.
Total cost = premium + deductible + out-of-pocket max. Most self-employed people we help pay $180–$420/mo after subsidies. A $200/mo plan with a $9,000 deductible costs more than a $320/mo plan with a $2,000 deductible. Your agent compares total cost, not just the sticker price.
Very likely. Roughly 4 out of 5 marketplace enrollees qualify. Self-employed income is based on AGI (after deductions), which is often lower than gross revenue. Your agent checks in real time - most freelancers are surprised how much they qualify for.
If you have net self-employment income and aren't eligible for an employer plan (yours or your spouse's), yes - typically 100% of premiums deduct on Schedule 1. We'll show you the line; your CPA confirms.
We use last year's AGI plus a directional adjustment. Estimate slightly low (within reason) - you reconcile at tax time. Your agent walks you through this so you don't overpay or underpay.
Depends on income. Above ~$80K, individual marketplace subsidies phase out and group can be competitive. Below that, individual often wins by $200–400/mo. We compare both live.
No. We're one brokerage, not a lead-gen site. Your info stays with us. No follow-up spam, no drip campaigns, no selling your number. BBB A+ rated.
100% free to you. Carriers pay us a flat commission - the same amount regardless of which plan you pick. Zero incentive to push one carrier over another.
12 minutes. Real savings.
Most freelancers qualify for subsidies they didn't know about. One call, one agent, $0 fee.
(866) 605-0702